EFTA01524196.pdf

November 29, 2003 - Ghisiaine Maxwell December 31,2003 Primary Account Number JPMorgan Private Bank Page 4 of 4 Important Information about Your Statement Personal accomm are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless othamse indicated on the Statemen t. are held by JPMorgan Chase Bank (the -Bank-). Deposit accounts held at the Bank, including checking, savings, CD, and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts °up) Telephone or woe to the Bank if you think your statement or receipt is wrung. or if you need more animation about an electronic transaction on a state nent or receipt. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair from you no later than 60 days aria we rent you the FIRST -mamma on which the error or problem appeared. • Tell us your name and account number. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the frusta you are unsure about. II/Morgan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road. I AlIPS3 avor or why you iced more information. Newark. Dli 19711-2107 • Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this (20 business days for transactions outside the U.S. and point-of-sale tran.sactions), we will recrcdit your account for the amount you think is in error so that you will have use of the money during the time it Takla us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at once. If you feel at error has taken place or have queritons concerning a nomeleettemc transaction. telephone or mite us within 30 days. The phone number is printed on the front of this statsmient. The address appears above. If no report is received within this period, your account will be considered correct. Mutual Funds/Securities Securities (including Mutual Funds) and annuities are not hank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank or its affiliates or any federal or state gm erom en t or gm ernment agency or government sponsored agency. Securities (including mutual funds) and annuities involve investment risks, including the possible loss of the principal amount Invested. The distributor of the JPMorgan Funds is JPMorgan Fund Distributors, Inc. which is not affiliatal with the Bank. The Bank and its affiliates receivecompensation from the WItritagan funds for voiding aavices to the funds. Read the Jl'Morgan Funds promatusmc.arefully for derails, including fors and ex-fumes, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan Select Shares of the New Jena Daily Municipal Income fund, Inc. are not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang [distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with JI'Morgast are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manba NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bolt, is a member of NASIYSIPC. IRA Accounts Accounts of the Bank as moue, or as discretionary bwestment manager for an ERISA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any portion of investment administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for which a rebate process has bum established since these charges arc subject to rebate as defined below. For accounts of the Bank as trustee, or dimtetionaQ- roves R/CM manager for an ERMA plan or an IRA. which hold Ala/CS in the 'Morgan Funds otter than Fiduciary Shares, the Bank receives fees for services frau the JPMorgan Funds but waives account fees with respect to the funds so held. "fiduciary Shares' means shares of JP/slorgim Select Funds and Institutional Slums of the JI'Morgan Bond Fund II. 'Morgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and Woman Large Cap Equity Fund held in Bank bust accounts or in discretionary investment managanent accomus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Sham. The relate amount ramments the potion of servicing ley paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPM-SDNY-00051981 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321179 EFTA01524196